Community National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community National Bank of Seneca, KS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 28.00% | 13.30% | +14.70% | 97th top |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 57.61% | 61.14% | -3.53% | 61st above |
| PPNR / Avg Assets | 1.91% | 1.68% | +0.23% | 68th above |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 0.94% | +0.77% | 16th bottom |
| NPA / Total Assets | 0.77% | 0.70% | +0.07% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) | 74.48% | 1540.00% | -1465.52% | 20th bottom |
| Texas Ratio | 13.99% | 7.33% | +6.66% | 14th bottom |
| Provision / NCO | 31.58% | 1397.20% | -1365.62% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.29% | 19.51% | -4.22% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.29% | 19.54% | -4.25% | 51st above |
| Total Capital Ratio | 16.24% | 20.63% | -4.39% | 49th below |
| Leverage Ratio | 9.66% | 12.14% | -2.48% | 25th below |
| Equity / Assets | 6.87% | 11.38% | -4.51% | 6th bottom |
| TCE / Tangible Assets | 5.54% | 11.10% | -5.56% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.70% | 80.66% | -30.96% | 92nd top |
| Core Deposit Ratio | 95.00% | 86.85% | +8.15% | 84th top |
| Wholesale Funding Ratio | 1.92% | 5.04% | -3.12% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.11% | 6.86% | -6.97% | 19th bottom |
| Loan Growth (Y/Y) | -5.85% | 7.91% | -13.76% | 6th bottom |
| Deposit Growth (Y/Y) | -1.13% | 6.29% | -7.42% | 18th bottom |
See Community National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community National Bank profile, how to read a UBPR, or how this data updates.